HouCuseChickie
Well-Known Member
We decided to get flood insurance last year. We're not high risk, but I live next to a creek. When it rains heavily, I watch it creep closely to my house. It's not a risk I am willing to take if another Sandy strikes or just a slow moving system with heavy rain. It worth the peace of mind.
It's definitely worth it for the peace of mind. Our last home in NJ had something like that. It was a little brook in our back yard and I remember it swelling and breaching its banks during Hurricane Gloria. I know a number of people who flooded in Sandy who didn't have it, but that was also like Harvey...in the sense that people flooded that have never flooded in the past. I have a cousin who was trying to tell me to never tell the insurance co it was flood damage b/c they won't cover it...but that's why you get flood insurance...just like we had to carry windstorm when we lived in a coastal county. I think he also found out the hard way that your auto insurance won't cover a flooded vehicle if it flooded inside the garage of a home without a flood policy. The remediation, repair, and replacement process is headache either way, but you won't be paying tens of thousands OOP (or more) to fix it this way.